Online Banking

Vehicle Loans

You've done the research and found your dream car. Let us handle the financing.

Buying New or Used:
Whether buying a new or used vehicle, Emerald strives to offer the best deal possible. Our low rates, member-friendly terms and affordable payment options are designed to fit your budget.

Get Pre-Approved:Attaining pre-approval ahead of time may give you additional negotiating power to purchase your vehicle at the best price. And knowing how much you can spend will keep you within your budget. You'll understand how much you can afford and the approximate amount of your monthly payments before you even start shopping.

Refinance Your Current Auto Loan:Upgrade your current auto loan and bring it to us for a great money-saving opportunity. We may be able to refinance your auto loan with a lower rate, reduced payment and/or a shorter term.

Skip-A-Pay:New and Used Auto Loans are Skip-A-Pay eligible! Keep more money in your pocket by skipping up to two (2) qualifying loan payments each calendar year. Learn more about Learn more about Skip-A-Pay and apply today!

Get Over 150 Channels of Awesome with SiriusXM®:You may be eligible for a Free 3-Month All Access SiriusXM® Trial Subscription with your next used auto loan! Turn on all the best commercial-free music, plus every major sporting event, and the biggest names in entertainment, news, and comedy all at the push of a button. The All Access Trial includes streaming so you can listen online, or on the app - All with no credit card required.

Whether your idea of recreational fun includes a motorcycle, RV or boat, we’ve got you covered.

Buying New or Used:Whether buying a new or used motorcycle or RV, Emerald strives to offer the best deal possible. Our low rates, member-friendly terms and affordable payment options are designed to fit your budget.

Get Pre-Approved:Attaining pre-approval ahead of time may give you additional negotiating power to purchase your motorcycle or RV at the best price. And knowing how much you can spend will keep you within your budget. You'll understand how much you can afford and the approximate amount of your monthly payments before you even start shopping.

Refinance Your Current Motorcycle or RV Loan:Upgrade your current motorcycle or RV loan and bring it to us for a great money-saving opportunity. We may be able to refinance it with a lower rate, reduced payment and/or a shorter term.

As part of our commitment to providing the best member benefits, Emerald offers a suite of affordable protection products to help safeguard your investment.

Guaranteed Auto Protection (GAP):What happens when your car is totaled, but the insurance company doesn’t pay off the entire balance of your auto loan? You are stuck paying the difference, the “gap,” out of your own pocket. That hurts. Let Guaranteed Auto Protection pay the difference for you instead!

Emerald offers GAP Plus with Auto Deductible Reimbursement for your new or existing auto loan. In the event that your car is deemed a total loss, GAP will not only pay off the left over loan balance, but you are also eligible to receive $1000 towards the purchase of a replacement vehicle, as long as it is financed through Emerald within 90 days of the GAP claim being paid.

Auto Deductible Reimbursement is an added benefit that pays up to $500 per accident when a claim is filed and paid by the insurance company for any vehicle that you own or lease (as proven by the title), whether it’s financed through Emerald or not. For example, you own a car that is financed through Emerald, and you’ve added GAP to the loan. You own a second car, not financed at Emerald, that’s been in an accident. The deductible will be reimbursed up to $500 because you have GAP Plus with Auto Deductible Reimbursement on your car loan at Emerald. This product will pay for itself time and again.

Extended Warranty:When owning any vehicle, there is always a chance of experiencing a mechanical breakdown, which can be very expensive to repair. With an extended warranty vehicle service contract, you can have protection against the high cost of vehicle repairs.

All extended warranty plans cover ordinary wear and tear that exceeds the manufacturer’s published tolerances on covered components. And regardless of the number of components repaired, only one deductible is required to be paid per visit. The benefits available in all extended warranty pans include:

Emerald Payment Protection:Lessen the worry of repaying your loan during a time when your income may be reduced or lost due to death, disability from an injury or illness, family leave or involuntary unemployment. Give yourself peace of mind knowing that your loved ones won’t be left with the burden of your debt. Emerald Payment Protection may be added to any new or existing loan. Calculate your approximate protected monthly loan payment now.

Your purchase of Emerald Payment Protection is optional is will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. You may cancel Emerald Payment Protection at any time. If you cancel Emerald Payment Protection within 30 days you will receive a full refund of any fee paid.

By members’ choice, this institution is not federally insured, and if the institution fails, the Federal Government does not guarantee that depositors will get back their money. MEMBERS’ ACCOUNTS ARE NOT INSURED OR GURANTEED BY ANY GOVERNMENT OR GOVERNMENT-SPONSORED AGENCY.